You need to be using two-factor authentication (2FA) for your online accounts that matter.
In the past 2FA was a kind of geeky thing that only the most security-conscious would bother with. Today, it's essential that anyone storing sensitive information online or using online services for anything remotely important employs the use of 2FA.
It's an imperfect security mechanism and there things about it that are inconvenient, but for now it's the best intermediate option for protecting against unauthorized access to your accounts and your information. Using it is much less inconvenient than trying to recover from having someone take your money, abuse your identity, or access your private data.